Mr. Chairman, thank you for that.
I think everyone expects and understands that this is going to be a fairly simply product. It's going to be therefore a low-cost product. That's what the government wants. I think we are building these plans with that expectation. We do have a variety of products that are out there right now that are fairly low cost, in terms of management expense ratios. Again, they're kind of simple investment products, and we think that's the kind of thing that would fit into a PRPP. So that is exactly the way we are planning on delivering this product.